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v3.24.3

Allowance for Credit Losses - Loan Portfolio Stratified by Key Credit Quality Indicators (Details) - USD ($) $ in Thousands | 3 Months Ended | 9 Months Ended | 12 Months Ended
--- | --- | --- | ---
Sep. 30, 2024 | Sep. 30, 2023 | Sep. 30, 2024 | Sep. 30, 2023 | Dec. 31, 2023
% of Balance |  |  |  |  |
Current period gross charge-offs, total | $ (87,868) | $ (105,137) | $ (273,033) | $ (315,353) |
Current period recoveries, total | 11,149 | 9,693 | 33,840 | 33,385 |
Current period net charge-offs, total | (76,719) | $ (95,444) | (239,193) | $ (281,968) |
Consumer Portfolio Segment | Student Loan |  |  |  |  |
% of Balance |  |  |  |  |
Current period gross charge-offs, Year 1 |  |  | (672) |  | $ (1,812)
Current period gross charge-offs, Year 2 |  |  | (16,359) |  | (31,032)
Current period gross charge-offs, Year 3 |  |  | (48,389) |  | (70,331)
Current period gross charge-offs, Year 4 |  |  | (38,496) |  | (49,624)
Current period gross charge-offs, Year 5 |  |  | (27,088) |  | (50,585)
Current period gross charge-offs, After Year 5 |  |  | (141,649) |  | (216,711)
Current period gross charge-offs, total |  |  | (272,653) |  | (420,095)
Current period recoveries, Year 1 |  |  | 37 |  | 172
Current period recoveries, Year 2 |  |  | 1,268 |  | 2,342
Current period recoveries, Year 3 |  |  | 4,876 |  | 6,496
Current period recoveries, Year 4 |  |  | 4,317 |  | 4,923
Current period recoveries, Year 5 |  |  | 2,886 |  | 5,260
Current period recoveries, After Year 5 |  |  | 20,456 |  | 27,175
Current period recoveries, total |  |  | 33,840 |  | 46,368
Current period net charge-offs, Year 1 |  |  | (635) |  | (1,640)
Current period net charge-offs, Year 2 |  |  | (15,091) |  | (28,690)
Current period recoveries, Year 3 |  |  | (43,513) |  | (63,835)
Current period recoveries, Year 4 |  |  | (34,179) |  | (44,701)
Current period recoveries, Year 5 |  |  | (24,202) |  | (45,325)
Current period recoveries, After Year 5 |  |  | (121,193) |  | (189,536)
Current period net charge-offs, total |  |  | (238,813) |  | (373,727)
Total accrued interest by origination vintage, Year 1 | 104,376 |  | 104,376 |  | 177,959
Total accrued interest by origination vintage, Year 2 | 452,478 |  | 452,478 |  | 408,800
Total accrued interest by origination vintage, Year 3 | 350,208 |  | 350,208 |  | 269,978
Total accrued interest by origination vintage, Year 4 | 226,175 |  | 226,175 |  | 152,094
Total accrued interest by origination vintage, Year 5 | 126,965 |  | 126,965 |  | 116,618
Total accrued interest by origination vintage, After Year 5 | 269,612 |  | 269,612 |  | 229,116
Total accrued interest by origination vintage | 1,529,814 |  | 1,529,814 |  | 1,354,565
Consumer Portfolio Segment | Student Loan | With and without cosigners |  |  |  |  |
Accounts, Notes, Loans and Financing Receivable [Line Items] |  |  |  |  |
Year 1 | 4,145,008 |  | 4,145,008 |  | 4,490,119
Year 2 | 5,363,248 |  | 5,363,248 |  | 5,088,739
Year 3 | 3,229,776 |  | 3,229,776 |  | 2,937,422
Year 4 | 2,113,786 |  | 2,113,786 |  | 1,819,089
Year 5 | 1,419,153 |  | 1,419,153 |  | 1,632,300
After Year 5 | 5,506,495 |  | 5,506,495 |  | 5,058,175
Loan type | $ 21,777,466 |  | $ 21,777,466 |  | $ 21,025,844
% of Balance |  |  |  |  |
Total in percent | 100.00% |  | 100.00% |  | 100.00%
Consumer Portfolio Segment | Student Loan | With cosigner |  |  |  |  |
Accounts, Notes, Loans and Financing Receivable [Line Items] |  |  |  |  |
Year 1 | $ 3,734,881 |  | $ 3,734,881 |  | $ 3,903,676
Year 2 | 4,740,192 |  | 4,740,192 |  | 4,428,163
Year 3 | 2,775,372 |  | 2,775,372 |  | 2,516,380
Year 4 | 1,792,296 |  | 1,792,296 |  | 1,535,308
Year 5 | 1,185,946 |  | 1,185,946 |  | 1,378,699
After Year 5 | 4,854,732 |  | 4,854,732 |  | 4,529,768
Loan type | $ 19,083,419 |  | $ 19,083,419 |  | $ 18,291,994
% of Balance |  |  |  |  |
Private education loans | 88.00% |  | 88.00% |  | 87.00%
Consumer Portfolio Segment | Student Loan | Without cosigner |  |  |  |  |
Accounts, Notes, Loans and Financing Receivable [Line Items] |  |  |  |  |
Year 1 | $ 410,127 |  | $ 410,127 |  | $ 586,443
Year 2 | 623,056 |  | 623,056 |  | 660,576
Year 3 | 454,404 |  | 454,404 |  | 421,042
Year 4 | 321,490 |  | 321,490 |  | 283,781
Year 5 | 233,207 |  | 233,207 |  | 253,601
After Year 5 | 651,763 |  | 651,763 |  | 528,407
Loan type | $ 2,694,047 |  | $ 2,694,047 |  | $ 2,733,850
% of Balance |  |  |  |  |
Private education loans | 12.00% |  | 12.00% |  | 13.00%
Consumer Portfolio Segment | Student Loan | FICO at Origination |  |  |  |  |
Accounts, Notes, Loans and Financing Receivable [Line Items] |  |  |  |  |
Year 1 | $ 4,145,008 |  | $ 4,145,008 |  | $ 4,490,119
Year 2 | 5,363,248 |  | 5,363,248 |  | 5,088,739
Year 3 | 3,229,776 |  | 3,229,776 |  | 2,937,422
Year 4 | 2,113,786 |  | 2,113,786 |  | 1,819,089
Year 5 | 1,419,153 |  | 1,419,153 |  | 1,632,300
After Year 5 | 5,506,495 |  | 5,506,495 |  | 5,058,175
Loan type | $ 21,777,466 |  | $ 21,777,466 |  | $ 21,025,844
% of Balance |  |  |  |  |
Total in percent | 100.00% |  | 100.00% |  | 100.00%
Consumer Portfolio Segment | Student Loan | FICO at Origination | Less than 670 |  |  |  |  |
Accounts, Notes, Loans and Financing Receivable [Line Items] |  |  |  |  |
Year 1 | $ 246,464 |  | $ 246,464 |  | $ 328,199
Year 2 | 394,068 |  | 394,068 |  | 395,526
Year 3 | 261,780 |  | 261,780 |  | 208,696
Year 4 | 156,049 |  | 156,049 |  | 118,935
Year 5 | 96,605 |  | 96,605 |  | 137,494
After Year 5 | 495,359 |  | 495,359 |  | 451,613
Loan type | $ 1,650,325 |  | $ 1,650,325 |  | $ 1,640,463
% of Balance |  |  |  |  |
Private education loans at origination | 8.00% |  | 8.00% |  | 8.00%
Consumer Portfolio Segment | Student Loan | FICO at Origination | 670-699 |  |  |  |  |
Accounts, Notes, Loans and Financing Receivable [Line Items] |  |  |  |  |
Year 1 | $ 509,488 |  | $ 509,488 |  | $ 635,642
Year 2 | 751,734 |  | 751,734 |  | 704,642
Year 3 | 450,549 |  | 450,549 |  | 400,744
Year 4 | 288,455 |  | 288,455 |  | 254,762
Year 5 | 201,741 |  | 201,741 |  | 257,840
After Year 5 | 937,664 |  | 937,664 |  | 868,777
Loan type | $ 3,139,631 |  | $ 3,139,631 |  | $ 3,122,407
% of Balance |  |  |  |  |
Private education loans at origination | 14.00% |  | 14.00% |  | 15.00%
Consumer Portfolio Segment | Student Loan | FICO at Origination | 700-749 |  |  |  |  |
Accounts, Notes, Loans and Financing Receivable [Line Items] |  |  |  |  |
Year 1 | $ 1,256,692 |  | $ 1,256,692 |  | $ 1,383,779
Year 2 | 1,649,606 |  | 1,649,606 |  | 1,586,783
Year 3 | 1,010,936 |  | 1,010,936 |  | 934,033
Year 4 | 673,104 |  | 673,104 |  | 590,401
Year 5 | 463,935 |  | 463,935 |  | 545,333
After Year 5 | 1,861,249 |  | 1,861,249 |  | 1,709,299
Loan type | $ 6,915,522 |  | $ 6,915,522 |  | $ 6,749,628
% of Balance |  |  |  |  |
Private education loans at origination | 32.00% |  | 32.00% |  | 32.00%
Consumer Portfolio Segment | Student Loan | FICO at Origination | Greater than or equal to 750 |  |  |  |  |
Accounts, Notes, Loans and Financing Receivable [Line Items] |  |  |  |  |
Year 1 | $ 2,132,364 |  | $ 2,132,364 |  | $ 2,142,499
Year 2 | 2,567,840 |  | 2,567,840 |  | 2,401,788
Year 3 | 1,506,511 |  | 1,506,511 |  | 1,393,949
Year 4 | 996,178 |  | 996,178 |  | 854,991
Year 5 | 656,872 |  | 656,872 |  | 691,633
After Year 5 | 2,212,223 |  | 2,212,223 |  | 2,028,486
Loan type | $ 10,071,988 |  | $ 10,071,988 |  | $ 9,513,346
% of Balance |  |  |  |  |
Private education loans at origination | 46.00% |  | 46.00% |  | 45.00%
Consumer Portfolio Segment | Student Loan | FICO Refreshed |  |  |  |  |
Accounts, Notes, Loans and Financing Receivable [Line Items] |  |  |  |  |
Year 1 | $ 4,145,008 |  | $ 4,145,008 |  | $ 4,490,119
Year 2 | 5,363,248 |  | 5,363,248 |  | 5,088,739
Year 3 | 3,229,776 |  | 3,229,776 |  | 2,937,422
Year 4 | 2,113,786 |  | 2,113,786 |  | 1,819,089
Year 5 | 1,419,153 |  | 1,419,153 |  | 1,632,300
After Year 5 | 5,506,495 |  | 5,506,495 |  | 5,058,175
Loan type | $ 21,777,466 |  | $ 21,777,466 |  | $ 21,025,844
% of Balance |  |  |  |  |
Total in percent | 100.00% |  | 100.00% |  | 100.00%
Consumer Portfolio Segment | Student Loan | FICO Refreshed | Less than 670 |  |  |  |  |
Accounts, Notes, Loans and Financing Receivable [Line Items] |  |  |  |  |
Year 1 | $ 350,534 |  | $ 350,534 |  | $ 495,451
Year 2 | 634,599 |  | 634,599 |  | 638,381
Year 3 | 460,995 |  | 460,995 |  | 379,738
Year 4 | 304,198 |  | 304,198 |  | 217,956
Year 5 | 195,926 |  | 195,926 |  | 214,665
After Year 5 | 866,117 |  | 866,117 |  | 791,875
Loan type | $ 2,812,369 |  | $ 2,812,369 |  | $ 2,738,066
% of Balance |  |  |  |  |
Private education loans at origination | 13.00% |  | 13.00% |  | 13.00%
Consumer Portfolio Segment | Student Loan | FICO Refreshed | 670-699 |  |  |  |  |
Accounts, Notes, Loans and Financing Receivable [Line Items] |  |  |  |  |
Year 1 | $ 530,612 |  | $ 530,612 |  | $ 616,684
Year 2 | 722,522 |  | 722,522 |  | 672,777
Year 3 | 411,258 |  | 411,258 |  | 365,674
Year 4 | 247,461 |  | 247,461 |  | 193,462
Year 5 | 142,707 |  | 142,707 |  | 176,963
After Year 5 | 599,235 |  | 599,235 |  | 564,245
Loan type | $ 2,653,795 |  | $ 2,653,795 |  | $ 2,589,805
% of Balance |  |  |  |  |
Private education loans at origination | 12.00% |  | 12.00% |  | 12.00%
Consumer Portfolio Segment | Student Loan | FICO Refreshed | 700-749 |  |  |  |  |
Accounts, Notes, Loans and Financing Receivable [Line Items] |  |  |  |  |
Year 1 | $ 1,240,651 |  | $ 1,240,651 |  | $ 1,347,094
Year 2 | 1,541,321 |  | 1,541,321 |  | 1,477,310
Year 3 | 904,821 |  | 904,821 |  | 836,747
Year 4 | 581,250 |  | 581,250 |  | 498,414
Year 5 | 371,047 |  | 371,047 |  | 445,244
After Year 5 | 1,464,960 |  | 1,464,960 |  | 1,361,073
Loan type | $ 6,104,050 |  | $ 6,104,050 |  | $ 5,965,882
% of Balance |  |  |  |  |
Private education loans at origination | 28.00% |  | 28.00% |  | 28.00%
Consumer Portfolio Segment | Student Loan | FICO Refreshed | Greater than or equal to 750 |  |  |  |  |
Accounts, Notes, Loans and Financing Receivable [Line Items] |  |  |  |  |
Year 1 | $ 2,023,211 |  | $ 2,023,211 |  | $ 2,030,890
Year 2 | 2,464,806 |  | 2,464,806 |  | 2,300,271
Year 3 | 1,452,702 |  | 1,452,702 |  | 1,355,263
Year 4 | 980,877 |  | 980,877 |  | 909,257
Year 5 | 709,473 |  | 709,473 |  | 795,428
After Year 5 | 2,576,183 |  | 2,576,183 |  | 2,340,982
Loan type | $ 10,207,252 |  | $ 10,207,252 |  | $ 9,732,091
% of Balance |  |  |  |  |
Private education loans at origination | 47.00% |  | 47.00% |  | 47.00%
Consumer Portfolio Segment | Student Loan | Seasoning |  |  |  |  |
Accounts, Notes, Loans and Financing Receivable [Line Items] |  |  |  |  |
Year 1 | $ 4,145,008 |  | $ 4,145,008 |  | $ 4,490,119
Year 2 | 5,363,248 |  | 5,363,248 |  | 5,088,739
Year 3 | 3,229,776 |  | 3,229,776 |  | 2,937,422
Year 4 | 2,113,786 |  | 2,113,786 |  | 1,819,089
Year 5 | 1,419,153 |  | 1,419,153 |  | 1,632,300
After Year 5 | 5,506,495 |  | 5,506,495 |  | 5,058,175
Loan type | $ 21,777,466 |  | $ 21,777,466 |  | $ 21,025,844
% of Balance |  |  |  |  |
Total in percent | 100.00% |  | 100.00% |  | 100.00%
Consumer Portfolio Segment | Student Loan | Seasoning | 1-12 payments |  |  |  |  |
Accounts, Notes, Loans and Financing Receivable [Line Items] |  |  |  |  |
Year 1 | $ 2,276,316 |  | $ 2,276,316 |  | $ 2,514,079
Year 2 | 2,140,723 |  | 2,140,723 |  | 740,450
Year 3 | 420,171 |  | 420,171 |  | 440,293
Year 4 | 247,167 |  | 247,167 |  | 245,631
Year 5 | 149,269 |  | 149,269 |  | 208,941
After Year 5 | 353,135 |  | 353,135 |  | 332,608
Loan type | $ 5,586,781 |  | $ 5,586,781 |  | $ 4,482,002
% of Balance |  |  |  |  |
Seasoning based on monthly scheduled payments due from 1-12 payments | 25.00% |  | 25.00% |  | 21.00%
Consumer Portfolio Segment | Student Loan | Seasoning | 13-24 payments |  |  |  |  |
Accounts, Notes, Loans and Financing Receivable [Line Items] |  |  |  |  |
Year 1 | $ 0 |  | $ 0 |  | $ 0
Year 2 | 1,056,273 |  | 1,056,273 |  | 2,675,956
Year 3 | 1,277,280 |  | 1,277,280 |  | 303,045
Year 4 | 192,430 |  | 192,430 |  | 167,532
Year 5 | 127,669 |  | 127,669 |  | 165,577
After Year 5 | 374,514 |  | 374,514 |  | 384,760
Loan type | $ 3,028,166 |  | $ 3,028,166 |  | $ 3,696,870
% of Balance |  |  |  |  |
Seasoning based on monthly scheduled payments due from 13 - 24 payments | 14.00% |  | 14.00% |  | 18.00%
Consumer Portfolio Segment | Student Loan | Seasoning | 25-36 payments |  |  |  |  |
Accounts, Notes, Loans and Financing Receivable [Line Items] |  |  |  |  |
Year 1 | $ 0 |  | $ 0 |  | $ 0
Year 2 | 0 |  | 0 |  | 0
Year 3 | 619,637 |  | 619,637 |  | 1,524,834
Year 4 | 855,419 |  | 855,419 |  | 195,091
Year 5 | 116,659 |  | 116,659 |  | 129,571
After Year 5 | 484,079 |  | 484,079 |  | 456,448
Loan type | $ 2,075,794 |  | $ 2,075,794 |  | $ 2,305,944
% of Balance |  |  |  |  |
Seasoning based on monthly scheduled payments due from 25 - 36 payments | 10.00% |  | 10.00% |  | 11.00%
Consumer Portfolio Segment | Student Loan | Seasoning | 37-48 payments |  |  |  |  |
Accounts, Notes, Loans and Financing Receivable [Line Items] |  |  |  |  |
Year 1 | $ 0 |  | $ 0 |  | $ 0
Year 2 | 0 |  | 0 |  | 0
Year 3 | 0 |  | 0 |  | 0
Year 4 | 380,010 |  | 380,010 |  | 902,938
Year 5 | 524,320 |  | 524,320 |  | 208,521
After Year 5 | 453,928 |  | 453,928 |  | 446,350
Loan type | $ 1,358,258 |  | $ 1,358,258 |  | $ 1,557,809
% of Balance |  |  |  |  |
Seasoning based on monthly scheduled payments due from 37 - 48 payments | 6.00% |  | 6.00% |  | 7.00%
Consumer Portfolio Segment | Student Loan | Seasoning | More than 48 payments |  |  |  |  |
Accounts, Notes, Loans and Financing Receivable [Line Items] |  |  |  |  |
Year 1 | $ 0 |  | $ 0 |  | $ 0
Year 2 | 0 |  | 0 |  | 0
Year 3 | 0 |  | 0 |  | 0
Year 4 | 0 |  | 0 |  | 116
Year 5 | 276,001 |  | 276,001 |  | 706,097
After Year 5 | 3,336,669 |  | 3,336,669 |  | 2,985,015
Loan type | $ 3,612,670 |  | $ 3,612,670 |  | $ 3,691,228
% of Balance |  |  |  |  |
Seasoning based on monthly scheduled payments due from more than 48 payments | 17.00% |  | 17.00% |  | 18.00%
Consumer Portfolio Segment | Student Loan | Seasoning | Not yet in repayment |  |  |  |  |
Accounts, Notes, Loans and Financing Receivable [Line Items] |  |  |  |  |
Year 1 | $ 1,868,692 |  | $ 1,868,692 |  | $ 1,976,040
Year 2 | 2,166,252 |  | 2,166,252 |  | 1,672,333
Year 3 | 912,688 |  | 912,688 |  | 669,250
Year 4 | 438,760 |  | 438,760 |  | 307,781
Year 5 | 225,235 |  | 225,235 |  | 213,593
After Year 5 | 504,170 |  | 504,170 |  | 452,994
Loan type | $ 6,115,797 |  | $ 6,115,797 |  | $ 5,291,991
% of Balance |  |  |  |  |
Seasoning based on monthly scheduled payments due from not yet in repayment | 28.00% |  | 28.00% |  | 25.00%

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- Definition Financing Receivable, Allowance for Credit Loss, Excluding Accrued Interest, Writeoff, Originated Five Or More Years Before Latest Fiscal Year + References No definition available. + Details
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- Definition Financing Receivable, Allowance for Credit Loss, Excluding Accrued Interest, Writeoff, Originated Four Years Before Latest Fiscal Year + References No definition available. + Details
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- Definition Financing Receivable, Allowance for Credit Loss, Excluding Accrued Interest, Writeoff, Originated In Current Fiscal Year + References No definition available. + Details
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- Definition Financing Receivable, Allowance for Credit Loss, Excluding Accrued Interest, Writeoff, Originated In Fiscal Year Before Latest Fiscal Year + References No definition available. + Details
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- Definition Financing Receivable, Allowance for Credit Loss, Excluding Accrued Interest, Writeoff, Originated Three Years Before Latest Fiscal Year + References No definition available. + Details
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- Definition Financing Receivable, Allowance for Credit Loss, Excluding Accrued Interest, Writeoff, Originated Two Years Before Latest Fiscal Year + References No definition available. + Details
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